• Mortgage in Italy for foreigners

PURCHASE OR RENOVATION WITH A MORTGAGE IN ITALY? YOU CAN!

WE ARE VERIFIED CREDIT BROKERS IN ITALY

WE CAN WORK TOGETHER TO OPTIMIZE YOUR CHANCES TO GET A MORTGAGE IN ITALY, TO BUY OR RENOVATE A PROPERTY

THE MORTGAGE FOR FOREIGNERS WITH INCOME AND RESIDENCE OUTSIDE ITALY

MORTGAGE IN ITALY FOR FOREIGNERS

Top Italian Mortgage is an Italian credit brokerage company, highly specialized in banking mortgage applications for non-Italian, residing abroad and having foreign incomes clients.
We can work together to obtain the best solutions for you and optimize your chances to get a mortgage in Italy, to buy or renovate a property.

ACCEPTANCE CRITERIA

WHO CAN BE FINANCED?

WHAT CAN BE FINANCED?

PURCHASE OF FIRST OR HOLIDAY HOME

  1. Property which is habitable and in order with all the necessary permits;
  2. MAX 60% of the purchase price;
  3. MAX duration: 25 years.

SMALL RENOVATION OF FIRST OR HOLIDAY HOME

  1. Needed: cost estimates and building permits;
  2. MAX 50% of the final value of the property;
  3. Mortgage disbursed in lump-sum payment at the termination of the works.

ACCEPTANCE CRITERIA

  • Max DTI ratio (debt to income): 30%;
  • Max age: 75 years at the end of the mortgage duration;
  • MAX duration: 25 years;
  • Opening of a bank account in the lender bank;
  • Transfer of your money, that you are using as equity for finalizing the purchase, to the Italian account before the final deliberation of the mortgage;
  • Sworn translation / legalization of the income documents (Italian).

TYPES OF MORTGAGE

  • French Amortisation Schedule (unvaried instalments including interest and principal payment);
  • Fixed Rate (MAX 20 years) and Variable Rate;
  • NO penalty in case of early payment, for both Fixed Rate and Variable Rate mortgages.

OUR TEAM

THE BEST TEAM TO ADVICE YOU IN GETTING AN ITALIAN MORTGAGE

CLIENT TESTIMONIALS

We are very impressed with the professional and friendly support we received from Fidea. The consultants guided us along the whole trajectory with care and competence. Should we score their job from 1 to 10 we would assign a full 10! Excellent experience. We felt we could fully trust them and we were not disappointed in our expectations. They took care of us from the beginning to the end.

Silvia and Basil Netherlands, 07/07/19

I would evaluate the work of the consultant who assisted me absolutely perfect from beginning to end. We could not have done it without Fidea. Professional, very experienced and deep insight and knowledge of the entire process. There was not a single question they could not answer. Also they really work fast and effective. They advised us all along perfectly and we are immensely grateful for the support throughout the entire process.

Stefanie and Andrea Switzerland, 03/07/19

Alessandro and Fidea team were exceptionally professional, constantly managed our expectations and never undelivered their promises. Really happy with the whole experience and would highly recommend Fidea. Your team went out of their way to support us and we were very highly impressed with the level of attention. The whole experience , from start to finish was managed impeccably.

Ruth and Carmelo UK, 07/01/2019

My experience with FIDEA could not have been better. Alessandro made the process so easy and handled everything quickly—even managing to move everything along during the Christmas holiday. I now am the proud owner of my dream apartment in Venice and could not be happier! I would recommend FIDEA to anyone sho has the dream of owning a small piece of Italy for themselves!

Molly New York, 18/04/2018
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Mortgage Calculator

You can calculate your mortgage online to get an idea about your monthly repayments on first/holiday home, whether you are a natural person or a company.

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Mortgage fees in Italy

All information regarding the rates of an Italian mortgage; mortgage registration fee, bank investigation, brokerage costs, etc.

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Mortgage Quote

You can request an estimate without obligation, and we will give you our advice to obtain your mortgage in Italy.

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WOULD YOU LIKE TO KNOW THE TAX AMOUNT RELATING TO YOUR PURCHASE?

Enter the purchase price: €



Purchase Fees
REGISTRATION DUTIES
MORTGAGE DUTIES
CADASTRAL DUTIES
VAT
TOTAL FEES
Enter cadastral value: €



Purchase Fees
REGISTRATION DUTIES
MORTGAGE DUTIES
CADASTRAL DUTIES
TOTAL FEES
Enter cadastral value: €



Purchase Fees
REGISTRATION DUTIES
MORTGAGE DUTIES
CADASTRAL DUTIES
TOTAL FEES
 
Enter the purchase price: €



Purchase Fees
REGISTRATION DUTIES
MORTGAGE DUTIES
CADASTRAL DUTIES
VAT
TOTAL FEES